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Ama is a widow and has no children. She has received no formal education. Ama sells bread at Mpredwow, near Cape Coast, which she has done for 40 years now. Ama uses her income to pay for her personal expenses.

Ama will use the loan to purchase more ingredients, such as flour, butter, and sugar, to bake bread for sale. With the new profits from her expanded business, Ama plans to improve upon her bread-baking business.

Ama is standing by her oven.

Additional Information

Important Information About CRAN

Please note that Kiva considers loans to this Field Partner, CRAN, to be particularly HIGH RISK. This organization has had very serious delinquency problems brought about by problems with its credit methodology, local environmental shocks including a depletion of local fisheries in its core area of operation (Cape Coast and the Central Province), and insufficient follow up with late clients. Lenders to this business should be aware that there is an increased risk of not getting repaid on this loan due to the challenges facing the Field Partner.

CRAN's creditors - including Kiva - have entered into a new Restructuring Agreement (For more information, please see CRAN's Field Partner profile: ). Kiva will extend its ongoing policy of allowing CRAN to continue to raise funds on the Kiva website. New funds raised will be used to make repayments on older CRAN loans via Kiva’s standard net billing process.

About Ghana

  • $3,500
    Average annual income
  • 33
    View loans »
    Ghana Loans Fundraising
  • $11,967,750
    Funds lent in using Kiva
  • 1.9
    Ghana Cedis (GHS) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Ama to purchase more ingredients, such as flour, butter, and sugar, to bake bread for sale.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Dec 21, 2012
Jan 31, 2013
Currency Exchange Loss:
Jun 17, 2013